Call reports 2004
FIRST COMMERCIAL BANK — 2004
What FIRST COMMERCIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 131,323,000 | 139,703,000 | 139,946,000 | 151,599,000 |
| Total loans | 109,983,000 | 116,160,000 | 118,414,000 | 129,392,000 |
| Allowance for loan losses | 751,000 | 989,000 | 1,019,000 | 952,000 |
| Securities available for sale | 5,179,000 | 4,801,000 | 4,432,000 | 4,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,149,000 | 104,315,000 | 104,348,000 | 108,254,000 |
| Interest-bearing deposits | 74,855,000 | 76,248,000 | 75,704,000 | 82,267,000 |
| Noninterest-bearing deposits | 27,294,000 | 28,067,000 | 28,644,000 | 25,987,000 |
| Equity capital | 14,019,000 | 14,133,000 | 14,378,000 | 14,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,804,000 | 3,688,000 | 5,721,000 | 7,712,000 |
| Interest expense | 403,000 | 802,000 | 1,250,000 | 1,789,000 |
| Net interest income | 1,401,000 | 2,886,000 | 4,471,000 | 5,923,000 |
| Noninterest income | 431,000 | 1,083,000 | 1,612,000 | 2,178,000 |
| Noninterest expense | 1,586,000 | 3,218,000 | 4,866,000 | 6,596,000 |
| Provision for loan losses | 108,000 | 338,000 | 430,000 | 568,000 |
| Pretax income | 138,000 | 413,000 | 787,000 | 937,000 |
| Income tax | 53,000 | 160,000 | 310,000 | 326,000 |
| Net income | 85,000 | 253,000 | 477,000 | 611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,553,000 | 12,722,000 | 12,964,000 | 13,046,000 |
| Total capital | 13,304,000 | 13,711,000 | 13,983,000 | 13,998,000 |
| Risk-weighted assets | 109,791,000 | 119,848,000 | 119,657,000 | 128,778,000 |